Independent guidance for families, retirees, and small business owners across Caldwell, Nampa, and Canyon County — clear pricing, plain English, and a plan you can actually implement.
Independent, fee‑based planning for real families and small business owners — with a business‑owner mindset and local roots in the Treasure Valley.
I'm Andrew Katzenberger, founder of Katz Capital Advisors. Before advising families, I ran a Denver IT company through real‑world constraints — budgets, goals, tradeoffs. That experience shapes how I advise today: we treat your household like a business, with you as the board and me as the planner who brings options, numbers, and clear next steps.
Caldwell is home. We moved back to be near our big Idaho family, and my office is here at home. We can meet at my kitchen table, a Caldwell coffee shop, on Zoom, or by phone — whatever fits your life.
Financial planning, investment management, and insurance — built to work together. Transparent, fee‑based pricing and plain‑English advice.
Organize cash flow, safety net, investments, and goals. Model retirement timing, college funding, debt payoff, and "what‑if" scenarios in eMoney.
Price: $950 for your first plan — credited against first‑year AUM if you choose ongoing management.
Disciplined, diversified portfolios aligned to your goals and risk tolerance. Ongoing monitoring, rebalancing, and guidance.
Fee: 1% AUM (annualized). Billing specifics provided in the advisory agreement.
Savings targets, Social Security timing, withdrawal strategies, and tax‑aware income planning for retirees and pre‑retirees in the Treasure Valley.
Insurance only when it fits the plan — with full commission disclosure in writing if a commission‑paying product is appropriate.
1) Intro Call (15 minutes) • 2) Plan Build ($950) • 3) Implement & Manage (1% AUM)
See If We're a Fit — Book Your IntroFiduciary advice for advisory services — and honest talk about commissions. Independence over "big‑brand" prestige.
I charge for planning so the analysis stands on its own. When a commission‑paying insurance tool is the right fit, I disclose the commission in plain English and verify the payout for your specific case.
Your finances have revenue, expenses, assets, liabilities, and strategy. We'll set targets, pick the right tools, and review results together — with you as the board.
If you're considering an alternative to Edward Jones or bank advisors in Caldwell, you may prefer an independent advisor who meets locally and explains everything without jargon.
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Open Firm SummaryAnswers about fees, meetings, custody, process, and planning tools.
Answer: Do I need to be "wealthy" to work with you?
No. We help families, retirees, and small business owners in Caldwell, Nampa, and the Treasure Valley — whether you're starting out or already invested.
Answer: Are you fee‑only?
I'm fee‑based. I charge for planning and ongoing investment management (1% AUM). When a commission‑paying insurance product is the right fit, I disclose the commission clearly.
Answer: Are you a fiduciary?
Yes — for advisory accounts/services, I act as a fiduciary and put your interests first.
Answer: What's included in the $950 plan?
Discovery, eMoney setup (account aggregation, budgeting, client portal, document vault), retirement projections, investment and insurance review, tax‑aware strategies (coordinated with your CPA), and a written action plan plus a 90‑day check‑in.
Answer: How does the AUM fee work?
1% of assets under management (annualized). Specifics (billing frequency, included services) are outlined in the advisory agreement.
Answer: Where are my investments held?
With third‑party custodians: Interactive Brokers (primary) or Charles Schwab (on request). They safeguard assets and provide statements and tax forms.
Answer: Is there an account minimum?
We can start with planning only and add investment management when it makes sense. Ask during your intro call if you have specific balance questions.
Answer: Can we meet in person or virtually?
Absolutely — kitchen table, local coffee shop, Zoom, or phone. I work from a home office in Caldwell.
Answer: Do you work with clients outside Caldwell?
Yes — across Caldwell, Nampa, Canyon County, the Treasure Valley, and beyond in Idaho via remote meetings.
Answer: What planning software do you use?
eMoney for modeling, account aggregation, budgeting, a secure document vault, and retirement scenario testing.
Answer: Do you prepare taxes or draft legal documents?
No. I don't provide tax or legal advice. I coordinate strategies with your CPA and attorney.
Answer: How long does a plan take?
Most plans take 2–4 weeks from data gathering to delivery, depending on complexity and responsiveness.
Answer: What if I already have an advisor?
I'm happy to provide a second opinion. Even if you stay where you are, you'll have a clearer understanding of your options.
Answer: Are annual updates included?
Yes, included with $5k+ AUM. Otherwise, we can scope a flat‑fee update.
Local, responsive, and easy to reach. Use the form or schedule a free 15‑minute intro call. We'll confirm within one business day.
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